NYSE:C

Citigroup Inc. (C)

138.51
+1.64 (1.20%)
as of Aug 5, 2026, 2:27:35 pm Market Open.
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Investor Insights
star iconAug 5, 2026, 12:00 am

This summary was created by AI, based on 40 opinions in the last 12 months.

Citigroup Inc. has shown significant improvement in its operations under its current CEO, which experts note as a remarkable turnaround story. The latest quarter highlighted record revenues, especially boosted by investment banking and trading, with earnings up 56%, fostering optimism about the bank's future profitability. Analysts are generally bullish, with many expecting a substantial upside, reflected in raised dividends and ongoing share buybacks. Despite some concerns regarding overall market performance affecting financial stocks, many view Citi as a more compelling investment compared to its peers due to its global footprint and structural advantages. Experts unanimously agree that Citi still has growth potential, emphasizing its ongoing transformation and cost-cutting strategies.

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Consensus
Buy
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Valuation
Undervalued
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COMMENT
Just announced a 10 for 1 reverse stock split as there is no respect in having a single digit stock price for one of the largest banks in the world. His model price is $8.10, a positive differential of 80%. Market doesn’t trust the balance sheet of the large US banks. He has a very small position in his fund, but is watching it very carefully.
SELL
Sold his holdings once they announced the reverse split. Stocks tend to be down a year later on reverse splits. If you own, look to jump out.
TOP PICK
Does about half its business outside the US. Now stabilized. US government has sold its interest. Good management. Earned $0.50 on its core earning last year and is expected to earn more than that this year. Really cheap. Lots of growth possibilities.
DON'T BUY
The walking dead. Prefers quality banks. Doesn’t own any US banks. They are talking about a 1 to 10 conversion. History of share consolidation is very, very poor. Companies only do that when their stocks go way down.
DON'T BUY
US financial sector over the next year has a good outlook because they are allowed to raise dividends. This one is still in the process of attempting to get out from under its mistakes. If it does raise its dividends, it is going to be much smaller than the healthy ones like J. P. Morgan Chase (JPM-N) or Wells Fargo (WFC-N). Why look at this when you have the Cdn financials with a much better yield and outlook.
SELL
Just sold when they announced a stock consolidation. Typically after a stock consolidation, a stock will go down in value 90% of the time.
DON'T BUY
Just marginally getting permission to start issuing dividends again they come off the TARP program. Will take a while. Efficiency ratio is bad, high costs ROE are low and Tier 1 capital is still very low so there is a lot of risk being shown in the share price. Their bonds would be better.
DON'T BUY
Going to have a 10 to 1 split. A reverse split is rarely a good sign. Looks like there are still some hang-ups coming from Europe. Still sees global de-leverization.
COMMENT
Doesn’t understand reverse splits. Pension funds have no trouble buying a $4 stock. Used to own the stock but sold. It will go up and do well, but prefers others. They are really an international bank.
DON'T BUY
Highest beta because of market volatility. A 10 for 1 consolidation makes the math very negative. It’s too early of a story – wait 2 or 3 years.
DON'T BUY
It has been said that when a company does a reverse split, it never recovers, but he doesn’t think so in this case. He just thinks they are embarrassed to have a stock priced under $5. It also disables some institutional investors from owning the stock so by consolidating it, it opens up the stock to more investors. The market for mortgage-backed securities has recovered in the last 3 months. The problem for an investor is that it is hard to know what is going on. If you don’t understand it, don’t buy it. He would wait at least another year.
DON'T BUY
Not his favourite of the US banks. Have a little trouble getting out of its own weight. Diluted the living daylights out of everything. Would prefer Bank of America or Goldman Sachs.
DON'T BUY
On his watch list. Is waiting for Gov’t to sell off their shares. They have pretty well exited. They are now too big to fail which is a nice backstop. They will survive, but he doesn’t have a good sense as to how they will prosper.
RISKY
Bought last year in TFSA. At $4 he thought it was worth the gamble. He thinks there are significant breakdowns to come, but US banks look somewhat attractive. Bought for himself but would not for clients.
DON'T BUY
Still a big global bank. Gone through the depths of 2008 and was rescued by the government. Have a lot of leverage so it global recovery continues to pick up they’ll be able to take advantage of it. Prefers other US financials.
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